Chase
Chase Ink Business Cash
Chase Ink Business Cash costs No annual fee and earns up to 2× on dining. It also carries $60 of statement credits a year, which is where a lot of its real value sits. Everything below comes from the card catalog we check against issuer terms, with the arithmetic spelled out.
Enter a typical month of spending to see what the Chase Ink Business Cash returns after its fee next to three cards it is usually compared with, then take those numbers to the full credit card rewards calculator to weigh up everything else in your wallet. No signup, and it runs in your browser.
- Annual fee
- No annual fee
- Best earn rate
- 2× dining
- Points value
- 1¢ a point
- Used when you transfer to a travel partner. Cash back is worth 1¢.
- Welcome bonus
- $750
- Credits a year
- $60
- What the calculator counts, after discounts for perks most people do not use in full.
- Foreign transaction fee
- 3%
What the Chase Ink Business Cash earns
Phone, internet, and cable
5×
Office supplies
5×
Lyft
5×
Dining
2×
Gas and EV charging
2×
| Category | Rate | Conditions |
|---|---|---|
| Phone, internet, and cable | 5× | |
| Office supplies | 5× | |
| Lyft | 5× | |
| Dining | 2× | |
| Gas and EV charging | 2× |
Rates checked with the issuer in October 2026. Spending outside these categories earns 1×. Confirm current terms with the issuer before you apply.
Is the Chase Ink Business Cash right for you?
Enter a typical month. You will see what the Chase Ink Business Cash returns after its annual fee, next to three cards it is usually compared with, and the full credit card rewards calculator weighs up everything else you spend.
Estimated rewards per year, after the annual fee
Amex Blue Business Cash Top for your numbers
1× everything else. No annual fee.
Rewards $502 · No annual fee
+$502
+$376
+$376
2× dining, 2× gas; 1× everything else. No annual fee.
Rewards $313 · No annual fee
+$313
How we estimate
- Every rate on this page comes from the card catalog. Chase Ink Business Cash pays 1× on spending outside the bonus categories listed above, and up to 2× on dining.
- We value this card's points at 1¢ each. Cash back is valued at 1¢.
- Net is a year of rewards minus the annual fee. Credits count only when you tick the box.
- Welcome bonuses are left out of the tool so the numbers read as an ordinary year.
- Rent is not in the boxes: most landlords charge a fee that cancels out the rewards, and only a few cards earn on rent at all. Add rent in the full calculator, where those rules are modelled.
- Travel-portal bookings are not in the boxes, because portal prices differ from booking direct. The portal rates are in the table above.
- Rates checked with issuers in October 2026. Terms change, so confirm with the issuer before you apply. Educational estimate, not financial advice.
One category doesn’t pick a wallet. Add the rest of your monthly spending to see which cards win across everything, fees included.
Find your best wallet for all your spending →{"focus":"","inputs":[{"key":"dining","prefill":"dining","noun":"dining"},{"key":"groceries","prefill":"groceries","noun":"groceries"},{"key":"gas","prefill":"gas","noun":"gas"},{"key":"transit","prefill":"transit","noun":"transit"},{"key":"streaming","prefill":"streaming","noun":"streaming"},{"key":"drugstores","prefill":"drugstores","noun":"drugstores"},{"key":"travel","prefill":"airfare","noun":"travel"},{"key":"other","prefill":"other","noun":"everyday spending"}],"path":"/credit-card-rewards-calculator","picks":[{"key":"chase-ink-business-cash","name":"Chase Ink Business Cash","fee":0,"cpp":0.01,"base":1,"earn":[{"inputs":["dining"],"rate":2},{"inputs":["gas"],"rate":2}],"credits":60},{"key":"amex-blue-business-cash","name":"Amex Blue Business Cash","fee":0,"cpp":0.01,"base":2},{"key":"capital-one-spark-cash-select","name":"Capital One Spark Cash Select","fee":0,"cpp":0.01,"base":1.5},{"key":"chase-ink-business-unlimited","name":"Chase Ink Business Unlimited","fee":0,"cpp":0.01,"base":1.5,"credits":60}]}What comes with it
Welcome bonus
$750
Points and partners
Cash Back
Transferable to airline and hotel partners.
Credits and perks
| Credit | Sticker value | Counted |
|---|---|---|
| Instacart+ credit Three months of complimentary Instacart+ membership with a $20 a month Instacart credit while the membership is active, through 12/31/2027. Only the credit is counted, not the membership. | $60 | $60 |
Sticker value is the full face amount. Counted is what the calculator credits, which is lower where most people do not use the perk in full.
Where this data came from
Checked creditcards.chase.com 2026-10-05. No annual fee. Published offer is a single tier: $750 cash back after $6,000 in purchases in 3 months. 5% on the first $25,000 a year combined across office supply stores and internet/cable/phone; 2% on the first $25,000 a year combined across gas and restaurants; 1% other. 3% foreign transaction fee. 5% on Lyft through 9/30/2027. The catalog listed this card as paying Chase Ultimate Rewards points at 2.05 cents, which valued a cash-back card at more than twice what it pays; it is cash back, valued at 1 cent.
FAQ
The Chase Ink Business Cash has no annual fee, so the only thing that matters is what it earns. Its best rate is 2× on dining.
2× on dining, and 1× on spending outside its bonus categories.
It depends on your mix, not the card. Earning back $0 means about $0 a month on dining, where it earns 1¢ more per dollar than the base rate. Credits and the welcome bonus can cover the rest. It also carries $60 of credits we can count, but only count them if you would spend that money anyway. Run your own numbers in the calculator above to see where it lands against the rest of the catalog.
The listed welcome offer is $750, and offers at these cards change often, so confirm the current terms and the spending requirement with the issuer before you apply.
Yes. It earns Cash Back, which you can transfer to the partners below. Transfers are what make a 1¢ valuation reachable; using the points for cash back is worth far less.
Yes: 3% on purchases made abroad, on top of anything the merchant charges. On a Chase Ink Business Cash that can wipe out the bonus rates, so check the numbers before you rely on it overseas.
Related: Full rewards calculator